PRIORITY FIRST
Charter #19655 · DU BOIS, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.55% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.23% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.55% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 39th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PRIORITY FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $179.39M | 43th pct | 54th pct |
| Members | 16,889 | 66th pct | 59th pct |
| Net worth ratio | 12.25% | 60th pct | 69th pct |
| Return on average assets | 1.55% | 90th pct | 89th pct |
| Net interest margin | 3.81% | 61th pct | 39th pct |
| Cost of funds | 1.33% | 57th pct | 46th pct |
| Loan-to-share | 76.33% | 59th pct | 43th pct |
| Delinquency 60+ days | 0.56% | 46th pct | 41th pct |
| Net charge-off ratio | 0.23% | 35th pct | 25th pct |
| Loan growth YoY | 8.56% | 96th pct | 97th pct |
| Share growth YoY | 8.44% | 94th pct | 89th pct |
| Efficiency ratio | 59.55% | 8th pct | 5th pct |
structural peer set hash: 89c84b2aae21f6bc8d7eeffb131e67c8… (reproducible)
Closest structural peers
This is the free public view
Claim PRIORITY FIRST
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.